Recovery of Loans & Advances

The recovery rate of government loans to departments and institutions is very low according to the Accountant General’s Report. There was no recovery in the housing, crop husbandry, animal husbandry, dairy development, fisheries, industries and minerals sectors for the five years between April 1, 1993 and April 1, 1998. Outstanding loans at the beginning of 1997 totalled Rs 8.64 crore, of which only Rs 72.5 lakh has been recovered. No interest has been paid on outstanding loans.

The enforcement of loan and interest recovery will, apart from raising resources, send a strong signal to borrowers that they cannot continue to misuse the loans facility. It will also improve monitoring and evaluation in the sanctioning of loans.